Electronic Filing Instructions for your 2023 Federal Tax Return

Important: Your taxes are not finished until all required steps are completed.

Maria G Cardenas, ms, ms

8800 N Interstate 35, Apt. 1047
Austin, TX 78753-5262
|
Balance | Your federal tax return (Form 1040) shows a refund due to you in the
Due/ | amount of $1,228.00. Applicable fees were deducted from your original
Refund | refund amount of $1,228.00. Your refund is now $1,140.00. Because you
| chose to have your TurboTax fees deducted from your refund, you will
| receive e-mail from Green Dot Bank, which handles this transaction.
| Your tax refund will be direct deposited into your account. The
| account information you entered - Account Number: 2112028937 Routing
| Transit Number: 111900659.
|
______________________________________________________________________________________
|
When Will | The IRS issued more than 9 out of 10 refunds to taxpayers in less
You Get | than 21 days last year. The same results are expected in 2024. To
Your | get your estimated refund date from TurboTax, log into My TurboTax at
Refund? | www.turbotax.com. If you do not receive your refund within 21 days,
| or the amount you get is not what you expected, contact the Internal
| Revenue Service directly at 1-800-829-4477. You can also check
| www.irs.gov and select the "Where's my refund?" link.
|
______________________________________________________________________________________
|
What You | Your Electronic Filing Instructions (this form)
Need to | A copy of your federal return
Keep |
|
______________________________________________________________________________________
|
2023 | Adjusted Gross Income $ 19,935.00
Federal | Taxable Income $ 6,085.00
Tax | Total Tax $ 178.00
Return | Total Payments/Credits $ 1,406.00
Summary | Amount to be Refunded $ 1,228.00
| Effective Tax Rate 0.89%
|
______________________________________________________________________________________

Page 1 of 1
Hi Maria,

We just want to thank you for using TurboTax this year! It's our goal to make
your taxes easy and accurate, year after year.

With TurboTax Standard:

Your Head Start On Next Year:
When you come back next year, taxes will be so easy! We'll have all
your information saved and ready to transfer in to your new return.
We'll ask you questions about what changed since we last talked, and
we'll be ready to get you the credits and deductions you deserve, no
matter what life throws at you.

Here's the final wrap up for your 2023 taxes:

Your federal refund is: $ 1,228.00

Your Guarantee of Accuracy:

Breathe easy. The calculations on your return are backed with our
100% Accuracy Guarantee.
- We double checked your return for errors along the way.
- We helped with step-by-step guidance to get your answers on the right
IRS forms.
- We made sure you didn't miss a deduction even if something in your life
changed, like a new job, new house - or more kids!

Also included:
- We provide the Audit Support Center free of charge, in the unlikely
event you get audited.

Many happy returns from TurboTax.

 1040 U.S. Individual Income Tax Return 2023
Form Department of the Treasury—Internal Revenue Service

OMB No. 1545-0074 IRS Use Only—Do not write or staple in this space.

For the year Jan. 1–Dec. 31, 2023, or other tax year beginning , 2023, ending , 20 See separate instructions.
Your first name and middle initial Last name Your social security number
Maria G Cardenas, ms, ms 566 35 6644
If joint return, spouse’s first name and middle initial Last name Spouse’s social security number

Home address (number and street). If you have a P.O. box, see instructions. Apt. no. Presidential Election Campaign
8800 N Interstate 35 1047 Check here if you, or your
City, town, or post office. If you have a foreign address, also complete spaces below. State ZIP code spouse if filing jointly, want $3
to go to this fund. Checking a
Austin TX 787535262 box below will not change
Foreign country name Foreign province/state/county Foreign postal code your tax or refund.
You Spouse

Filing Status Single Head of household (HOH)

Married filing jointly (even if only one had income)
Check only
one box. Married filing separately (MFS) Qualifying surviving spouse (QSS)
If you checked the MFS box, enter the name of your spouse. If you checked the HOH or QSS box, enter the child’s name if the
qualifying person is a child but not your dependent:

Digital At any time during 2023, did you: (a) receive (as a reward, award, or payment for property or services); or (b) sell,
Assets exchange, or otherwise dispose of a digital asset (or a financial interest in a digital asset)? (See instructions.) Yes No
Standard Someone can claim: You as a dependent Your spouse as a dependent
Deduction Spouse itemizes on a separate return or you were a dual-status alien

Age/Blindness You: Were born before January 2, 1959 Are blind Spouse: Was born before January 2, 1959 Is blind
Dependents (see instructions): (2) Social security (3) Relationship (4) Check the box if qualifies for (see instructions):
(1) First name Last name number to you Child tax credit Credit for other dependents
If more
than four
dependents,
see instructions
and check
here . .

Income 1a Total amount from Form(s) W-2, box 1 (see instructions) . . . . . . . . . . . . . 1a 19,935.
b Household employee wages not reported on Form(s) W-2 . . . . . . . . . . . . . 1b
Attach Form(s)
W-2 here. Also c Tip income not reported on line 1a (see instructions) . . . . . . . . . . . . . . 1c
attach Forms d Medicaid waiver payments not reported on Form(s) W-2 (see instructions) . . . . . . . . 1d
W-2G and
1099-R if tax e Taxable dependent care benefits from Form 2441, line 26 . . . . . . . . . . . . 1e
was withheld. f Employer-provided adoption benefits from Form 8839, line 29 . . . . . . . . . . . 1f
If you did not g Wages from Form 8919, line 6 . . . . . . . . . . . . . . . . . . . . . 1g
get a Form
W-2, see
h Other earned income (see instructions) . . . . . . . . . . . . . . . . . . 1h 0.
instructions. i Nontaxable combat pay election (see instructions) . . . . . . . 1i
z Add lines 1a through 1h . . . . . . . . . . . . . . . . . . . . . . 1z 19,935.
Attach Sch. B 2a Tax-exempt interest . . . 2a b Taxable interest . . . . . 2b
if required. 3a Qualified dividends . . . 3a b Ordinary dividends . . . . . 3b
4a IRA distributions . . . . 4a b Taxable amount . . . . . . 4b
Standard
Deduction for— 5a Pensions and annuities . . 5a b Taxable amount . . . . . . 5b
• Single or 6a Social security benefits . . 6a b Taxable amount . . . . . . 6b
Married filing
separately, c If you elect to use the lump-sum election method, check here (see instructions) . . . . .
$13,850 7 Capital gain or (loss). Attach Schedule D if required. If not required, check here . . . . . 7
• Married filing
jointly or 8 Additional income from Schedule 1, line 10 . . . . . . . . . . . . . . . . . 8
Qualifying
surviving spouse, 9 Add lines 1z, 2b, 3b, 4b, 5b, 6b, 7, and 8. This is your total income . . . . . . . . . . 9 19,935.
$27,700 10 Adjustments to income from Schedule 1, line 26 . . . . . . . . . . . . . . . 10
• Head of
household, 11 Subtract line 10 from line 9. This is your adjusted gross income . . . . . . . . . . 11 19,935.
$20,800
• If you checked
12 Standard deduction or itemized deductions (from Schedule A) . . . . . . . . . . 12 13,850.
any box under 13 Qualified business income deduction from Form 8995 or Form 8995-A . . . . . . . . . 13
Standard
Deduction, 14 Add lines 12 and 13 . . . . . . . . . . . . . . . . . . . . . . . . 14 13,850.
see instructions.
15 Subtract line 14 from line 11. If zero or less, enter -0-. This is your taxable income . . . . . 15 6,085.
For Disclosure, Privacy Act, and Paperwork Reduction Act Notice, see separate instructions. Form 1040 (2023)
Form 1040 (2023) Page 2

Tax and 16 Tax (see instructions). Check if any from Form(s): 1 8814 2 4972 3 . . 16 608.
Credits 17 Amount from Schedule 2, line 3 . . . . . . . . . . . . . . . . . . . . 17
18 Add lines 16 and 17 . . . . . . . . . . . . . . . . . . . . . . . . 18 608.
19 Child tax credit or credit for other dependents from Schedule 8812 . . . . . . . . . . 19
20 Amount from Schedule 3, line 8 . . . . . . . . . . . . . . . . . . . . 20 430.
21 Add lines 19 and 20 . . . . . . . . . . . . . . . . . . . . . . . . 21 430.
22 Subtract line 21 from line 18. If zero or less, enter -0- . . . . . . . . . . . . . . 22 178.
23 Other taxes, including self-employment tax, from Schedule 2, line 21 . . . . . . . . . 23 0.
24 Add lines 22 and 23. This is your total tax . . . . . . . . . . . . . . . . . 24 178.
Payments 25 Federal income tax withheld from:
a Form(s) W-2 . . . . . . . . . . . . . . . . . . 25a 1,406.
b Form(s) 1099 . . . . . . . . . . . . . . . . . . 25b
c Other forms (see instructions) . . . . . . . . . . . . . 25c
d Add lines 25a through 25c . . . . . . . . . . . . . . . . . . . . . . 25d 1,406.
If you have a 26 2023 estimated tax payments and amount applied from 2022 return . . . . . . . . . . 26
qualifying child, 27 Earned income credit (EIC) . . . . . . . . . . . .No. . 27
attach Sch. EIC.
28 Additional child tax credit from Schedule 8812 . . . . . . . . 28
29 American opportunity credit from Form 8863, line 8 . . . . . . . 29
30 Reserved for future use . . . . . . . . . . . . . . . 30
31 Amount from Schedule 3, line 15 . . . . . . . . . . . . 31
32 Add lines 27, 28, 29, and 31. These are your total other payments and refundable credits . . 32
33 Add lines 25d, 26, and 32. These are your total payments . . . . . . . . . . . . 33 1,406.
Refund 34 If line 33 is more than line 24, subtract line 24 from line 33. This is the amount you overpaid . . 34 1,228.
35a Amount of line 34 you want refunded to you. If Form 8888 is attached, check here . . . . 35a 1,228.
Direct deposit? b Routing number 1 1 1 9 0 0 6 5 9 c Type: Checking Savings
See instructions.
d Account number 2 1 1 2 0 2 8 9 3 7
36 Amount of line 34 you want applied to your 2024 estimated tax . . . 36
Amount 37 Subtract line 33 from line 24. This is the amount you owe.
You Owe For details on how to pay, go to www.irs.gov/Payments or see instructions . . . . . . . . 37
38 Estimated tax penalty (see instructions) . . . . . . . . . . 38
Third Party Do you want to allow another person to discuss this return with the IRS? See
Designee instructions . . . . . . . . . . . . . . . . . . . . . Yes. Complete below. No
Designee’s Phone Personal identification
name no. number (PIN)

Sign Under penalties of perjury, I declare that I have examined this return and accompanying schedules and statements, and to the best of my knowledge and
belief, they are true, correct, and complete. Declaration of preparer (other than taxpayer) is based on all information of which preparer has any knowledge.
Here Your signature Date Your occupation If the IRS sent you an Identity
Protection PIN, enter it here
Joint return? Production Operator (see inst.)
See instructions. Spouse’s signature. If a joint return, both must sign. Date Spouse’s occupation If the IRS sent your spouse an
Keep a copy for Identity Protection PIN, enter it here
your records. (see inst.)

Phone no. (512)809-5766 Email address

Preparer’s name Preparer’s signature Date PTIN Check if:
Paid Self-employed
Preparer
Firm’s name Self-Prepared Phone no.
Use Only
Firm’s address Firm’s EIN
Go to www.irs.gov/Form1040 for instructions and the latest information. BAA REV 09/17/24 TTO Form 1040 (2023)
SCHEDULE 3 OMB No. 1545-0074
Additional Credits and Payments
2023
(Form 1040)
Attach to Form 1040, 1040-SR, or 1040-NR.
Department of the Treasury Attachment
Go to www.irs.gov/Form1040 for instructions and the latest information.
Internal Revenue Service Sequence No. 03
Name(s) shown on Form 1040, 1040-SR, or 1040-NR Your social security number
Maria G Cardenas, ms, ms 566-35-6644
Part I Nonrefundable Credits
1 Foreign tax credit. Attach Form 1116 if required . . . . . . . . . . . . . . 1
2 Credit for child and dependent care expenses from Form 2441, line 11. Attach
Form 2441 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
3 Education credits from Form 8863, line 19 . . . . . . . . . . . . . . . . . 3
4 Retirement savings contributions credit. Attach Form 8880 . . . . . . . . . . 4 430.
5a Residential clean energy credit from Form 5695, line 15 . . . . . . . . . . . 5a
b Energy efficient home improvement credit from Form 5695, line 32 . . . . . . 5b
6 Other nonrefundable credits:
a General business credit. Attach Form 3800 . . . . . . . . 6a
b Credit for prior year minimum tax. Attach Form 8801 . . . . 6b
c Adoption credit. Attach Form 8839 . . . . . . . . . . . . 6c
d Credit for the elderly or disabled. Attach Schedule R . . . . . 6d
e Reserved for future use . . . . . . . . . . . . . . . . 6e
f Clean vehicle credit. Attach Form 8936 . . . . . . . . . . 6f
g Mortgage interest credit. Attach Form 8396 . . . . . . . . 6g
h District of Columbia first-time homebuyer credit. Attach Form 8859 6h
i Qualified electric vehicle credit. Attach Form 8834 . . . . . 6i
j Alternative fuel vehicle refueling property credit. Attach Form 8911 6j
k Credit to holders of tax credit bonds. Attach Form 8912 . . . 6k
l Amount on Form 8978, line 14. See instructions . . . . . . 6l
m Credit for previously owned clean vehicles. Attach Form 8936 . 6m
z Other nonrefundable credits. List type and amount:
6z
7 Total other nonrefundable credits. Add lines 6a through 6z . . . . . . . . . . 7
8 Add lines 1 through 4, 5a, 5b, and 7. Enter here and on Form 1040, 1040-SR, or
1040-NR, line 20 . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 430.
(continued on page 2)
For Paperwork Reduction Act Notice, see your tax return instructions. Schedule 3 (Form 1040) 2023
Schedule 3 (Form 1040) 2023 Page 2

Part II Other Payments and Refundable Credits

9 Net premium tax credit. Attach Form 8962 . . . . . . . . . . . . . . . . . 9
10 Amount paid with request for extension to file (see instructions) . . . . . . . . 10
11 Excess social security and tier 1 RRTA tax withheld . . . . . . . . . . . . . 11
12 Credit for federal tax on fuels. Attach Form 4136 . . . . . . . . . . . . . . 12
13 Other payments or refundable credits:
a Form 2439 . . . . . . . . . . . . . . . . . . . . . 13a
b Credit for repayment of amounts included in income from earlier
years . . . . . . . . . . . . . . . . . . . . . . . . 13b
c Elective payment election amount from Form 3800, Part III, line
6, column (i) . . . . . . . . . . . . . . . . . . . . . 13c
d Deferred amount of net 965 tax liability (see instructions) . . . 13d
z Other payments or refundable credits. List type and amount:
13z
14 Total other payments or refundable credits. Add lines 13a through 13z . . . . . 14
15 Add lines 9 through 12 and 14. Enter here and on Form 1040, 1040-SR, or 1040-NR,
line 31 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
REV 09/17/24 TTO Schedule 3 (Form 1040) 2023
BAA
Form 8880 Credit for Qualified Retirement Savings Contributions OMB No. 1545-0074

2023
Attach to Form 1040, 1040-SR, or 1040-NR.
Department of the Treasury Attachment
Internal Revenue Service Go to www.irs.gov/Form8880 for the latest information. Sequence No. 54
Name(s) shown on return Your social security number
Maria G Cardenas, ms, ms 566-35-6644
You cannot take this credit if either of the following applies.

F
!
CAUTION
• The amount on Form 1040, 1040-SR, or 1040-NR, line 11, is more than $36,500 ($54,750 if head of household; $73,000 if
married filing jointly).
• The person(s) who made the qualified contribution or elective deferral (a) was born after January 1, 2006; (b) is claimed as a
dependent on someone else’s 2023 tax return; or (c) was a student (see instructions).
(a) You (b) Your spouse
1 Traditional and Roth IRA contributions, and ABLE account contributions by the
designated beneficiary for 2023. Do not include rollover contributions . . . . . 1
2 Elective deferrals to a 401(k) or other qualified employer plan, voluntary employee
contributions, and 501(c)(18)(D) plan contributions for 2023 (see instructions) . . 2 859.
3 Add lines 1 and 2 . . . . . . . . . . . . . . . . . . . . . . 3 859.
4 Certain distributions received after 2020 and before the due date (including
extensions) of your 2023 tax return (see instructions). If married filing jointly, include
both spouses’ amounts in both columns. See instructions for an exception . . . 4
5 Subtract line 4 from line 3. If zero or less, enter -0- . . . . . . . . . . . 5 859.
6 In each column, enter the smaller of line 5 or $2,000 . . . . . . . . . . 6 859.
7 Add the amounts on line 6. If zero, stop; you can’t take this credit . . . . . . . . . . . . 7 859.
8 Enter the amount from Form 1040, 1040-SR, or 1040-NR, line 11* . . . . 8 19,935.
9 Enter the applicable decimal amount from the table below.

If line 8 is— And your filing status is—

Married Head of Single, Married filing
But not
Over— filing jointly household separately, or
over—
Enter on line 9— Qualifying surviving spouse
--- $21,750 0.5 0.5 0.5
$21,750 $23,750 0.5 0.5 0.2
$23,750 $32,625 0.5 0.5 0.1 9 x .5
$32,625 $35,625 0.5 0.2 0.1
$35,625 $36,500 0.5 0.1 0.1
$36,500 $43,500 0.5 0.1 0.0
$43,500 $47,500 0.2 0.1 0.0
$47,500 $54,750 0.1 0.1 0.0
$54,750 $73,000 0.1 0.0 0.0
$73,000 --- 0.0 0.0 0.0
Note: If line 9 is zero, stop; you can’t take this credit.
10 Multiply line 7 by line 9 . . . . . . . . . . . . . . . . . . . . . . . . . . 10 430.
11 Limitation based on tax liability. Enter the amount from the Credit Limit Worksheet in the instructions 11 608.
12 Credit for qualified retirement savings contributions. Enter the smaller of line 10 or line 11 here
and on Schedule 3 (Form 1040), line 4 . . . . . . . . . . . . . . . . . . . . . 12 430.

* See Pub. 590-A for the amount to enter if you claim any exclusion or deduction for foreign earned income, foreign housing, or income from
Puerto Rico or for bona fide residents of American Samoa.

For Paperwork Reduction Act Notice, see your tax return instructions. REV 09/17/24 TTO Form 8880 (2023)
BAA
IMPORTANT DISCLOSURES

If you are owed federal or state tax refund(s), you have a right to choose how you will receive the refund(s).
There are several options available to you. Some options cost money and some options are free. Please
read about these options below.

You can file your federal tax return(s) electronically or by paper and obtain your federal tax refund(s)
directly from the Internal Revenue Service ("IRS") for free. Additionally, you can file your state tax
return(s) electronically or by paper and obtain your state tax refund(s) directly from the applicable state
taxing authority for free. If you file your federal tax return(s) electronically, you can receive refund
checks directly from the IRS through the U.S. Postal Service in 21 to 28 days from the time you file your
tax return(s) or the IRS can deposit your refund(s) directly into your bank account in less than 21 days
from the time you file your tax return(s) unless there are delays by the IRS. If you file a paper federal
tax return through the U.S. Postal Service, you can receive refund checks directly from the IRS through
the U.S. Postal Service in 6 to 8 weeks from the time the IRS receives your return(s) or the IRS can
deposit your refund(s) directly into your bank account in 6 to 8 weeks from the time the IRS receives
your return(s). However, if your federal tax return(s) contains Earned Income Tax Credit or Additional Child
Tax Credit, the IRS will issue your refund(s) no earlier than February 15, 2024. Please consult your
applicable state taxing authority’s website for details on when you can expect to receive your state tax
refund(s).

You can file your federal and state tax return(s) electronically, select the Refund Processing
Service ("RPS") for an additional fee of $30.00 (the "Refund Processing Fee"), and have your
federal and/or state tax refund(s) processed through a processor using banking services of a
financial institution. The RPS allows your refund(s) to be deposited into a bank account at
Green Dot Bank ("Bank") and deducts your TurboTax fees and other amounts that you authorize
from your federal and/or state refund(s). The balance of your federal and/or state refund(s)
is delivered to you via the disbursement method you select. If you file your tax return(s)
electronically and select the RPS, the IRS and/or the applicable state taxing authority will
deposit your refund(s) with Bank. Upon Bank's receipt of your refund(s), Santa Barbara Tax
Products Group, LLC, a division of Green Dot Corporation, a Delaware corporation, a processor,
will deduct from your federal and/or state refund(s) the Refund Processing Fee, any fees charged
by TurboTax for the preparation and filing of your tax return(s) and any other amounts
authorized by you and disburse the balance of your refund proceeds to you. Unless there are
unexpected delays, federal refunds are received in less than 21 days from the time you file
your tax return(s) electronically. However, if your return(s) contains Earned Income Tax Credit
or Additional Child Tax Credit, the IRS will issue your refund(s) no earlier than
February 15, 2024. Please consult your applicable state taxing authority's website for
details on when you can expect to receive your state tax refund(s).

The RPS is not necessary to obtain your refund(s). If you have an existing bank account, you do not need
to use the RPS, which requires the payment of a fee, in order to receive a direct deposit from the IRS
or applicable state taxing authority. You may consult the IRS website (IRS.gov) or website of the
applicable state taxing authority for information about tax refund processing.

If you select the RPS, no prior debt you may owe to Bank will be deducted from your refund(s).

You can change your income tax withholdings which might result in you receiving additional funds
throughout the year rather than waiting to receive these funds potentially in tax refund(s) next year.
Please consult your employer or tax advisor for additional details.

This Agreement requires all disputes to be resolved by way of binding arbitration.

The terms of the arbitration provision appear in Section 11.

Information regarding low-cost deposit accounts may be available at www.mymoney.gov .

 The chart below shows the options for filing your federal and state tax returns (e-file or paper returns),
the RPS product, refund disbursement options, estimated timing for obtaining your federal tax refund
proceeds, and costs associated with the various options.

WHAT TYPE WHAT ARE YOUR WHAT IS THE WHAT COSTS DO YOU
OF FILING DISBURSEMENT ESTIMATED TIME TO INCUR IN ADDITION
METHOD? OPTIONS? RECEIVE REFUND(S)? TO TAX PREPARATION
FEES?

PAPER RETURN IRS or applicable state Approximately

taxing authority 6 to 8 weeks 1
issues direct deposit to
your bank Check website for
account. applicable state taxing
No Refund Processing authority
Service No additional cost.
Check mailed by IRS Approximately
or applicable state 6 to 8 weeks 1
taxing authority
to address on tax Check website for
return(s). applicable state taxing
authority

ELECTRONIC IRS or applicable Usually within

FILING state taxing authority 21 days 1
(E-FILE) issues direct deposit to
your bank Check website for
account. applicable state taxing
No Refund Processing authority
Service No additional cost.
Check mailed by IRS Approximately
or applicable state 21 to 28 days 1
taxing authority
to address on tax Check website for
return(s). applicable state taxing
authority

ELECTRONIC Direct deposit to Usually within $ 30.00 2

FILING your bank 21 days 1
(E-FILE) account.
Check website for
Refund Processing applicable state taxing
Service authority

1You may experience delays with your tax refund(s) if, for example, you enter incorrect bank account or contact
information, you enter a bank account in someone else's name, or if possible suspicious activity is detected.
If your return(s) contains Earned Income Tax Credit or Additional Child Tax Credit, the IRS will issue your refund(s)
no earlier than February 15, 2024.

2The charges here consist of a Refund Processing Fee, and any fees for additional products and services purchased.
See Section 3 of the Refund Processing Service Agreement for the cost of the service you have chosen.

Questions? Call 877-908-7228

sbia5201.SCR 11/30/23 11/20/2023

We need your OK to share your info with our partners

This is an IRS requirement

In order to finalize your request for this payment option, we need to send the following information to
Green Dot Bank (’BANK’) and to Santa Barbara Tax Products Group, LLC (’SBTPG’),
the administrator and servicer of this payment option: your identifying information, your deposit
information and your refund amount.

We transmit this information so that you may use this payment option. BANK and SBTPG will use your
information in accordance with their applicable refund processing service agreement and privacy
policy.

IRS regulations require the following statements:

Federal law requires this consent form be provided to you. Unless authorized by law, we cannot
disclose your tax return information to third parties for purposes other than the preparation and filing of
your tax return without your consent. If you consent to the disclosure of your tax return information,
Federal law may not protect your tax return information from further use or distribution.
You are not required to complete this form to engage our tax return preparation services. If we obtain
your signature on this form by conditioning our tax return preparation services on your consent, your
consent will not be valid. If you agree to the disclosure of your tax return information, your consent is
valid for the amount of time that you specify. If you do not specify the duration of your consent, your
consent is valid for one year from the date of signature.
If you believe your tax return information has been disclosed or used improperly in a manner
unauthorized by law or without your permission, you may contact the Treasury Inspector General for
Tax Administration (TIGTA) at https://www.treasury.gov/tigta/

I authorize Intuit, the maker of TurboTax, to disclose to BANK and SBTPG that portion of my 2023 tax
return information that is necessary to enable BANK and SBTPG to process my refund.

I agree to the above statement.

Great! Now we just need your signature to confirm your decision.

First Name Last Name

Maria Cardenas, ms

Today’s Date

09/28/2024

Spouse’s First Name Spouse’s Last Name

Today’s Date

sbia1301.SCR 11/14/23
 CUSTOMER SERVICE: 877-908-7228

Santa Barbara Tax Products Group, LLC, a division of Green Dot Corporation, a Delaware
corporation, and Green Dot Bank Refund Processing Service Agreement ("Agreement")

Name: Maria G Cardenas, ms, ms

Social Security No.: 566-35-6644

This Agreement contains important terms, conditions and disclosures about the processing of your refund(s)
(the "Refund Processing Service" or "RPS") by Santa Barbara Tax Products Group, LLC, a division of Green
Dot Corporation, a Delaware corporation, ("Processor"), a third party processor using banking services of
Green Dot Bank ("Bank"). Read this Agreement carefully before accepting its terms and conditions, and print
a copy and/or retain this information electronically for future reference. As used in this Agreement, the words
"you" and "your" refer to the applicant or both the applicant and joint applicant if the 2023
federal and/or state income tax return(s) is a joint return (individually and collectively, "Applicant").
The words "we," "us" and "our" refer to Bank and Processor.

1. NOTICE: No Requirement To Use the Refund Processing Service In Order To File Electronically.
YOU UNDERSTAND THAT A REFUND PROCESSING FEE OF $30.00 ("REFUND PROCESSING FEE") IS
CHARGED BY PROCESSOR TO ESTABLISH A TEMPORARY ACCOUNT TO RECEIVE YOUR FEDERAL
AND/OR STATE TAX REFUND(S), TO PROCESS IT, TO DEDUCT YOUR TURBOTAX FEES, AND OTHER
AUTHORIZED FEES FROM THAT ACCOUNT, AND TO FORWARD FUNDS TO YOU. THE REFUND PROCESSING
FEE IS NOT A LOAN; IT IS DUE TO PROCESSOR WHETHER OR NOT THE FEDERAL OR STATE TAX
REFUND(S) OCCURS BUT PROCESSOR WILL NOT PURSUE COLLECTION OF THE REFUND PROCESSING
FEE IF YOUR FEDERAL OR STATE TAX REFUND(S) DO NOT OCCUR. THIS FEE IS COLLECTED ONLY AT
THE TIME THE REFUND(S) OCCURS. YOU CAN AVOID THIS FEE AND NOT USE THE REFUND PROCESSING
SERVICE BY INSTEAD PAYING THE APPLICABLE TURBOTAX FEES TO INTUIT INC. BY CREDIT OR DEBIT
CARD AT THE TIME YOU FILE YOUR 2023 FEDERAL AND/OR STATE INCOME TAX RETURN(S) AND
ELECTING TO HAVE YOUR REFUND(S) DIRECTLY DEPOSITED IN YOUR OWN BANK ACCOUNT OR MAILED
TO YOU. IF YOU DO USE THE REFUND PROCESSING SERVICE, YOU CAN EXPECT TO RECEIVE THE
PROCEEDS FROM YOUR FEDERAL TAX REFUND(S) WITHIN 21 DAYS FROM WHEN THE INTERNAL
REVENUE SERVICE ("IRS") ACCEPTS YOUR RETURN(S) UNLESS THERE ARE PROCESSING DELAYS (OR
UNLESS YOUR RETURN(S) CONTAINS EARNED INCOME TAX CREDIT OR ADDITIONAL CHILD TAX CREDIT,
IN WHICH CASE THE IRS WILL ISSUE YOUR REFUND(S) NO EARLIER THAN FEBRUARY 15, 2024).
PLEASE CONSULT YOUR APPLICABLE STATE TAXING AUTHORITY’S WEBSITE FOR DETAILS ON WHEN
YOU CAN EXPECT TO RECEIVE YOUR STATE TAX REFUND(S). THE REFUND PROCESSING SERVICE WILL
NEITHER SPEED UP NOR DELAY YOUR FEDERAL TAX REFUND(S). THE COST OF PREPARING YOUR TAX
RETURN(S) IS NOT ANY MORE OR LESS IF YOU PURCHASE THE REFUND PROCESSING SERVICE.

2. Authorization to Release Personal Information. You authorize the IRS and/or applicable state
taxing authority to disclose any information to Bank and Processor related to the funding of your 2023
federal and state tax refund(s). You also authorize Intuit Inc., as the transmitter of your electronically filed
tax return(s), Bank and Processor to disclose to each other certain information about you and your tax
return(s) for the purpose of providing the services contemplated under this Agreement. You also represent
that any authorizations you have made in this Section 2 have also been obtained from and are made with
respect to your spouse, if this is a jointly filed return. Please see the Privacy Policy at the end of this
Agreement describing how Bank may use or share your personal information.

3. Summary of Terms
Expected Refund(s) $ 1,228.00
Less Processor Refund Processing Fee $ 30.00
Less TurboTax Fees $ 19.00
Less Fees for Additional Products and Services Purchased $ 39.00
Expected Proceeds* $ 1,140.00
* These amounts are itemized. This is only an estimate. The amount will be reduced by any applicable sales taxes, and if
applicable, a Return Item Fee and an Account Research and Processing Fee paid to Processor as set forth in Sections 4, 6 and
7 below. The above deductions will be subtracted from your federal or state refund(s), where applicable, whichever is received
first. Additionally, in the event one refund is insufficient to fully pay all such amounts due, deductions for the remaining amount
due will be wholly or partially supplemented by, and subtracted from, the other refund (if you receive both state and federal
refund(s).
Maria G Cardenas, ms, ms 566-35-6644 Page 2

4. Temporary Deposit Account Authorization. You hereby authorize Bank to establish a temporary deposit
account ("Deposit Account") for the purpose of receiving your tax year 2023 federal and/or state tax
refund(s) from the IRS or applicable state taxing authority. Bank or Processor must receive an
acknowledgement from the IRS or applicable state taxing authority that your return(s) has been electronically
filed and accepted for processing before the Deposit Account can be opened. You authorize Processor
or Bank to deduct from your Deposit Account the following amounts: (i) the Refund Processing Fee; (ii) the
fees and charges related to the preparation, processing and transmission of your tax return(s) ("TurboTax
Fees"); and (iii) fees for Additional Products and Services Purchased, plus applicable taxes. You also
authorize Processor to deduct thirty dollars ($30.00) as a returned item processing fee (the "Return Item
Fee") from your Deposit Account for the additional processing required in the event that your deposit is
returned or cannot be delivered as directed in Section 7 below. A fee of $30.00 (the "Account Research
and Processing Fee") may be charged if we are required to provide additional processing to return the funds
to the IRS or applicable state taxing authority due to (a) your bank not accepting your direct deposit of your
refund or (b) your tax return being in dispute or being deemed by Processor, in its reasonable determination,
to be fraudulent or suspicious. These fees will be deducted from the Deposit Account and will be retained by
Processor. You authorize Processor to disburse the balance of the Deposit Account to you after making all
authorized deductions or payments. If the Deposit Account does not have sufficient funds at the time your
tax refund is processed to pay the TurboTax Fees and the fees for Additional Products and Services
Purchased as set forth in Section 3, and any sales tax (collectively, "Fees"), or if your refund proceeds are
delayed (a) you authorize Processor to automatically deduct such Fees (or any portion thereof) via ACH,
electronic check, or wire transfer directly from the account into which you authorized Processor to deposit
your expected tax refund proceeds as set forth in Section 7, and (b) if you made alternative arrangements
with TurboTax for payment of such Fees, those arrangements will be attempted prior to any automatic
deduction. You also authorize any amounts outstanding pursuant to this paragraph to be deducted from
refunds you may receive up to 30 months after the date of this Agreement and processed through
Processor. Additionally, if the Fees are not fully repaid from the Deposit account for any other reason not
specified above, (a) you authorize Processor to automatically deduct such Fees (or any portion thereof)
or attempt to deduct such Fees for up to 4 months after your tax return was accepted via ACH, electronic
check, or wire transfer directly from the account into which you authorized Processor to deposit your
expected tax refund proceeds ("Authorized Destination Account") as set forth in Section 7, and (b) if you
made alternative arrangements with TurboTax for payment of such Fees, those arrangements will be
attempted prior to any automatic deduction. To make alternative payment arrangements or revoke your
consent to automatic deduction, you must contact Intuit Inc. according to the instructions on the notices
e-mailed to you by Intuit Inc. regarding outstanding amounts owed under this Agreement.

5. Acknowledgements. (a) You understand that: (i) neither Bank nor Processor can guarantee the amount
of your tax year 2023 federal and/or state tax refund(s) or the date it will be issued, and (ii) neither
Bank nor Processor is affiliated with the transmitter of the tax return(s) (Intuit Inc.) and neither warrants
the accuracy of the software used to prepare the tax return(s). (b) You agree that Intuit Inc. is not acting as
your agent and is not under any fiduciary duty with respect to the processing of your refund(s) by Bank and
Processor. (c) Your refund(s) may be held or returned to the IRS or applicable state taxing authority if it is
suspected of fraud or identity theft.

6. Truth in Savings Disclosure. The Deposit Account is being opened for the purpose of receiving your (or
both spouses if this is a jointly filed return) tax year 2023 federal and/or state tax refund(s). Processor
will deduct from the Deposit Account the amounts set forth in Section 3, including the $ 30.00 Refund
Processing Fee for opening and maintaining the Deposit Account and processing your tax refund(s). No other
deposits may be made to the Deposit Account. No withdrawals will be allowed from the Deposit Account
except to collect the amounts stated in this Section, Section 3, Section 7, and Section 4. No interest is
payable on the deposit; thus, the annual percentage yield and interest rate are 0%. The Deposit Account will
be closed after all authorized deductions have been made and any remaining balance has been disbursed to
you. We will also charge a Return Item Fee of $30.00 if the refund(s) cannot be delivered as directed in
Section 7 of this Agreement. A $30.00 Account Research and Processing Fee may be charged if we are
required to provide additional processing to return the funds to the IRS or applicable state taxing authority
due to (a) your bank not accepting your direct deposit of your refund or (b) your tax return being in dispute
or being deemed by Processor, in its reasonable determination, to be fraudulent or suspicious. These fees
will be deducted from the Deposit Account and will be retained by Processor. Questions or concerns about
the Deposit Account should be directed to Santa Barbara Tax Products Group, LLC, PO Box 817, West
Chester, OH 45071 or via the Internet at http://sbtpg.com.
Maria G Cardenas, ms, ms 566-35-6644 Page 3

7. Disbursement Method: You agree that the disbursement method selected below will be used by
Processor to disburse funds to you.

By using the Direct Deposit method of disbursement, the balance of your Deposit Account will be
disbursed to you electronically by ACH direct deposit to your Authorized Destination Account
designated below. If a joint return is filed, the bank account may be a joint account or the individual
account of either spouse.

DIRECT DEPOSIT ACCOUNT TYPE:

X Checking
Savings
RTN # 111900659
Account # 2112028937

Note: To ensure that there are no delays in receiving your refund(s), please contact your financial
institution to confirm that you are using the correct RTN (routing) and account number. If you or your
representative enter your account information incorrectly and your deposit is returned to Bank, the
Deposit Account balance minus a $30.00 Return Item Fee will be disbursed to you via a cashier’s
check mailed to your physical address of record. Bank, Processor and Intuit Inc. are not
responsible for the misapplication of a direct deposit that results from error, negligence or malfeasance
on the part of you or your representative. In cases where Bank has received your federal
and/or state tax refund(s) but is unable to deliver the funds directly to you, funds may be held at Bank
until claimed, or returned to the IRS or applicable state taxing authority.
An Account Research and Processing Fee of $30.00 may be charged if we are required to
provide additional processing to return the funds to the IRS or applicable state taxing authority due to
(a) your bank not accepting your direct deposit of your refund or (b) your tax return being in dispute or
being deemed by Processor, in its reasonable determination, to be fraudulent or suspicious. Return
Item and Account Research and Processing Fees will not exceed $90.00 in the aggregate if there is
also a state return, and $60.00 in the aggregate if there is not a state return and will be deducted
from the Deposit Account for federal and state refunds that continue to be undeliverable and unclaimed
and must be returned to the IRS or applicable state taxing authority. These fees will be retained by
Processor. Due to the risk of fraudulent diversion of tax refunds, we will not process any address or
account changes for purposes of disbursing your tax refund(s). If we become aware that your address
or checking or savings account has changed after you sign this Agreement but before your federal
and/or state tax refund(s) is received by us, upon receipt of your federal or state tax refund(s) from the
IRS or applicable state agency, we will return your tax refund(s) to the applicable agency after
deducting our Refund Processing Fee, TurboTax Fees and other applicable fees. We will do our best to
escalate the return of your federal or state tax refund(s) to the applicable agency and you will need to
work with the applicable agency directly for disbursement.

8. FEDERAL ELECTRONIC FUND TRANSFER ACT DISCLOSURES: In case of errors or questions about
electronic transfers to or from the Deposit Account, write to Santa Barbara Tax Products Group, LLC,
PO Box 817, West Chester, OH 45071 or telephone (877) 908-7228 and provide your name, a description
or explanation of the error, and the dollar amount of the suspected error. We will determine whether an
error occurred within 10 business days after we hear from you and will correct any error promptly. If we
need more time, however, we may take up to 45 business days to investigate your complaint or
question. If we decide to do this, we will credit your Deposit Account within 10 business days for the
amount you think is in error, although in most circumstances you won’t have use of the money until we
complete our investigation. If we ask you to put your complaint or question in writing and we do not receive
it within 10 business days, we may not credit your Deposit Account. For errors involving transfers of funds to
or from the Deposit Account within 30 business days after the first deposit to the Deposit Account was made,
(i) we may take up to 90 business days to investigate your complaint or question, and (ii) we may take up to
20 business days to credit your Deposit Account for the amount you think is in error. We will tell you the results
within three business days after completing our investigation. If we decide that there was no error, we will
send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Business Days: Our business days are Monday through Friday, excluding federal holidays. Saturday,
Sunday, and federal holidays are not considered business days, even if we are open.
Maria G Cardenas, ms, ms 566-35-6644 Page 4

Confidentiality: We will disclose information to third parties about your account or the transfers you make:

? To complete transfers as necessary;

? To verify the existence and condition of your account upon the request of a third party, such as a credit
bureau or merchant;
? To comply with government agency or court orders;
? If you give us your written permission; or
? As explained in the Privacy Policy following this Agreement.

Our Liability: If we do not complete a transfer to your account on time or in the correct amount according to
this Agreement, we may be liable for your losses or damages. In addition to all other limitations of liability
set forth in this Agreement, we will not be liable to you if, among other things:
? Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute,
pandemic, computer breakdown, telephone line disruption, or a natural disaster) prevent the transfer,
despite reasonable precautions that have been taken.
? The funds in your account are subject to legal process or other claim restricting such transfer.
? You, your representative or a third party provide us with inaccurate or untimely information.

9. Compensation. In addition to any fees paid directly by you to Intuit Inc., Processor will pay
compensation to Intuit Inc. in consideration of Intuit Inc.’s provision of various programming, testing, data
processing, transmission, systems maintenance, status reporting and other software, technical and
communications services. The Refund Processing Fee will be retained by Processor for its Refund
Processing Service. Processor shall pay Bank for its banking services.

10. Governing Law. The enforcement and interpretation of this Agreement and the transactions
contemplated herein shall be governed by the laws of the United States, including the Electronic Signatures
in Global and National Commerce Act, and, to the extent state law applies, the substantive laws of Delaware.

11. Arbitration Provision. You acknowledge that the services set forth in this Agreement are being made
available and priced by Processor on the basis of your acceptance of the following arbitration provision
("Arbitration Provision"). By entering into this Agreement, you acknowledge that you are giving up the right
to litigate Claims (as defined below) if you, Bank or Processor elects arbitration of the Claims pursuant to
this provision, except as otherwise expressly provided herein, and you hereby knowingly and voluntarily
waive the right to trial of all Claims subject to this Agreement. You further acknowledge that you have read
this Arbitration Provision carefully, agree to its terms, and are entering into this Agreement voluntarily and
not in reliance on any promises or representations whatsoever except those contained in this Agreement.

ARBITRATION NOTICE
THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION. PLEASE READ THIS PROVISION
CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS.

11.1. Arbitration of Claims: Except as expressly provided herein, any claim, dispute or controversy
(whether based upon contract; tort, intentional or otherwise; constitution; statute; common law; or equity
and whether pre-existing, present or future), including initial claims, counter-claims, cross-claims and
third-party claims, arising from or relating directly or indirectly to this Agreement, including the validity,
enforceability, interpretation, scope, or application of the Agreement and this Arbitration Provision (except
for the prohibition on class or other non-individual claims, which shall be for a court to decide) ("Claim")
shall be decided, upon the election of you, Bank or Processor (or our agents, employees, successors,
representatives, affiliated companies, or assigns), by binding arbitration before the American Arbitration
Association ("AAA"). Arbitration replaces the right to litigate a claim in court or to have a jury trial. The
AAA’s phone number is 800-778-7879 and website is http://www.adr.org. You may obtain copies of the
current rules, forms, and instructions for initiating an arbitration using the above information.

11.2. Other Claims Subject to Arbitration: In addition to Claims brought by you, Claims made by anyone
connected with you or anyone making a Claim through you (including a taxpayer filing jointly, employee,
agent, representative, affiliated company, predecessor or successor, heir, assignee, or trustee in bankruptcy)
against us shall be subject to arbitration as described herein.

11.3. Exceptions: We agree not to invoke our right to arbitrate any individual Claim you bring in small
claims court or an equivalent court so long as the Claim is pending only in that court. This Arbitration
Maria G Cardenas, ms, ms 566-35-6644 Page 5

Provision also does not limit or constrain our right to interplead funds in the event of claims to the Account
by several parties.

11.4. Individual Claims Only: Claims may be submitted to arbitration on an individual basis only. Claims
subject to this Arbitration Provision may not be joined or consolidated in arbitration with any Claim of any
other person or be arbitrated on a class basis, in a representative capacity on behalf of the general public
or on behalf of any other person, unless otherwise agreed to by the parties in writing. However, taxpayers
filing jointly and party to this Agreement are considered as one person; Processor and its officers, directors,
employees, agents, and affiliates are considered as one person; and Bank and its officers, directors,
employees, agents, and affiliates are considered as one person.

11.5. Arbitration Fees: If you initiate arbitration, we will advance any arbitration fees, including any required
deposit. If we initiate or elect arbitration, we will pay the entire amount of the arbitration fees, including any
required deposit. We will also be responsible for payment and/or reimbursement of any arbitration fees to
the extent that such fees exceed the amount of the filing fees you would have incurred if your Claim had
been brought in the state or federal court nearest your residence with jurisdiction over the Claims.

11.6. Procedure: A single arbitrator will resolve the Claims. The arbitrator will be a lawyer with at least ten
years’ experience or who is a former or retired judge. The arbitration shall follow the rules and procedures of
the arbitration administrator in effect on the date the arbitration is filed, except when there is a conflict or
inconsistency between the rules and procedures of the arbitration administrator and this Arbitration
Provision, in which case this Arbitration Provision shall govern. Any in-person arbitration hearing for a Claim
shall take place within the federal judicial district in which you live or at such other reasonably convenient
location as agreed by the parties. The arbitrator shall apply applicable substantive law consistent with the
Federal Arbitration Act, 9 U.S.C. § 1 et seq. (the "FAA") and shall honor all claims of privilege and
confidentiality recognized at law. All statutes of limitations that would otherwise be applicable shall apply
to any arbitration proceeding. The arbitrator shall be empowered to grant whatever relief would be available
in court under law or in equity. Any appropriate court may enter judgment upon the arbitrator’s award.
This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be
governed by the FAA.

12. Taxpayer Identity Validation Disclosure. To help Bank, Processor and the government identify and fight
tax refund fraud, as well as fight the funding of terrorism and money laundering activities, Bank and
Processor obtain, verify, and record information that identifies each Refund Processing Service taxpayer.
What this means for you: When you apply to use the Refund Processing Service for the purpose of receiving
your federal and/or state tax refund(s), we will ask for your name, address, date of birth, and other
information that will allow us to identify you. We may also ask to see your driver’s license or other
identifying documents if we need to perform additional due diligence on your account.

YOUR AGREEMENT

Bank and Processor agree to all of the terms of this Agreement. By selecting the "I Agree" button in
TurboTax: (i) You authorize Bank to receive your 2023 federal and/or state tax refund(s) from the IRS
and applicable state taxing authority and Processor to make the deductions from your refund(s) described in
the Agreement, (ii) You agree to receive all communications electronically in accordance with the
"Communications" section of the Tax Year 2023 TurboTax(Registered Trademark) User Agreement, (iii) You
consent to the release of your 2023 federal and/or state tax refund(s) deposit information and
application information as described in Section 2 of this Agreement; (iv) In the event your refund(s) is/are
insufficient to fully pay all such amounts due under this Agreement, you consent to the automatic
debiting of your Authorized Destination Account as set forth in Section 4, as applicable, and the
Arbitration Provision in Section 11; and (v) You acknowledge that you have reviewed, and agree to be
bound by, the Agreement’s terms and conditions. If this is a joint return, selecting "I Agree" indicates
that both spouses agree to be bound by the terms and conditions of the Agreement.
Maria G Cardenas, ms, ms 566-35-6644

Rev. 11/2021
FACTS WHAT DOES GREEN DOT BANK DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell you how
we collect, share, and protect your personal information. Please read this notice carefully to
understand what we do

What? The types of personal information we collect and share depend on the product or service you
have with us. This information can include:

? Social Security number and account balances

? account transactions and checking account information
? transaction history and payment history

When you are no longer our customer, we continue to share your information as described in this
notice.

How? All financial companies need to share customers’ personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their
customers’ personal information; the reasons Green Dot Bank chooses to share; and whether you
can limit this sharing.

Reasons we can share your Does Green Dot Bank Can you limit this sharing?
personal information share?

For our everyday business purposes '

such as to process your transactions,
maintain your account(s), respond to court Yes No
orders and legal investigations, or report to
credit bureaus.

For our marketing purposes ' Yes No

to offer our products and services to you.

For joint marketing with other Yes No

financial companies.

For our affiliates’ everyday

business purposes ' Yes No
information about your transactions
and experiences.

For our affiliates’ everyday

business purposes ' No We don’t share
information about your creditworthiness.

For our affiliates to market to you. No We don’t share

For nonaffiliates to market to you. No We don’t share

Questions? Call Toll Free: 800-901-6663

Maria G Cardenas, ms, ms 566-35-6644 Page 2

Page 2

What we do

How does Green Dot Bank To protect your personal information from unauthorized access and
protect my use, we use security measures that comply with federal law. These
personal information? measures include computer safeguards and secured files and
buildings.

How does Green Dot Bank We collect your personal information, for example, when you
collect my
personal information? ? open an account or make deposits or withdrawals from your
account
? tell us where to send the money or provide account information
? give us your contact information

We also collect your personal information from others, such as

credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only

? sharing for affiliates’ everyday business purposes ' information

about your creditworthiness
? affiliates from using your information to market to you
? sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights
to limit sharing.

Definitions

Affiliates Companies related by common ownership or control. They can be

financial and nonfinancial companies.

? Our affiliates include companies with a common corporate

identity of Green Dot (such as our parent bank holding company
Green Dot Corporation) and tax processing services companies,
such as Santa Barbara Tax Products Group, LLC.

Nonaffiliates Companies not related by common ownership or control. They can

be financial and nonfinancial companies.

? Green Dot Bank does not share with nonaffiliates so they can
market to you.

Joint marketing A formal agreement between nonaffiliated financial companies that

together market financial products or services to you.

? The only joint marketing partners we share with are Intuit Inc.
and its affiliates and subsidiaries.

sbia0912.SCR 12/07/23 X -
Read and accept this Disclosure Consent
This is an IRS requirement

To, enable the Tax Identity restoration protection service that you purchased
as part of the Max bundle, we need your consent to send some of your
personal information to our partner, CSIdentity Corporation (aka IDnotify).

Entering your name and date below allows us to disclose the data below to IDNotify,
provided by CSIdentity Corp., an Experian company. With your consent, we will send the following:
First Name, Middle Initial, Last Name, Date of Birth, Phone Number, Street Address, City, State,
Zip, Social Security Number, Email Address, Username, and a randomly generated Subscriber Number.

IRS regulations require the following statements:

"Federal law requires this consent form be provided to you. Unless authorized by law, we cannot
disclose your tax return information to third parties for purposes other than the preparation and filing of
your tax return without your consent. If you consent to the disclosure of your tax return information,
Federal law may not protect your tax return information from further use or distribution.

You are not required to complete this form to engage our tax return preparation services. If we obtain
your signature on this form by conditioning our tax return preparation services on your consent, your
consent will not be valid. If you agree to the disclosure of your tax return information, your consent is
valid for the amount of time that you specify. If you do not specify the duration of your consent, your
consent is valid for one year from the date of signature."

If you believe your tax return information has been disclosed or used improperly in a manner
unauthorized by law or without your permission, you may contact the Treasury Inspector General for
Tax Administration (TIGTA) at https://www.treasury.gov/tigta/.

To agree, enter your name and date in the boxes below and select the "I Agree" button on the
bottom of the page.

I authorize Intuit to send my information listed above to CSIdentity Corporation.

Sign this agreement by entering your name:

Maria Cardenas, ms

Please type the date below:

09/28/2024
Date

sbia5102.SCR 02/21/24